“I am a personal mortgage customer and also a landlord and the service from Andy is great, hence why I keep coming back and back!”

James Shreeve, Oulton

“As first time buyers the prospect of purchasing a property can be a very daunting experience. With such in depth knowledge and continuous contact Andy made the experience stress free and allowed us to enjoy all the benefits of being a home owner.”

KO & MN, Lowestoft

"I found Andy Waters, both very pleasant and easy to talk with. I explained what my requirements were and a quick response was forth-coming which was essential, multiple options were offered and explained and one met all the criteria I required. I would not hesitate in recommending Andy Waters, when seeking financial advice in the purchase of a house."

David Tucker, Downham Market

“Andy came as a recommendation from a friend of mine and over the past 2 years his advice has been invaluable. My initial concern was doing business remotely (due to their offices distance from Wigan) rather than face to face but Andy has a talent for explaining everything in a simple and easy to understand manner over the phone. He has even turned some work away, instead advising us to remortgage with our present lender rather than going through their service. My previous experience of financial advisers was they just wanted to sell you something, so this was very refreshing. He has helped us with buy to let advice and even referred us to a will writing service which again we are delighted with. I have no hesitation in recommending Andy Waters to any of my friends (and have done)”

Colin Askew, Wigan

“Andy's services were recommended by a friend when I was looking to move house. I felt confident from the start that my finances were in safe hands. It's reassuring to know that advice is given with my best interest in mind and not that of someone else's pocket. A very professional service that I will not hesitate to use again, and have already recommended to friends.”

NW, Oulton Broad

“After a very difficult and traumatic time attempting to obtain a mortgage direct with the banks, Andrew made the process of obtaining the same deal, effortless and pain-free. He kept me informed at each step and his excellent service was worth every penny.”

Martin Borrill, Lowestoft

“Andy has always been an absolute pleasure to deal with. He is personable, friendly and thoroughly professional, demonstrating an extensive knowledge of not only mortgages, but many other financial products. He has been invaluable in assisting us through the purchase of properties and various insurance policies. We would not hesitate in recommending Andy to others; we see him as both a partner and advisor, and hope to employ his services for many years.”

Ed & Katy Savage, Hemsby

“Finding the right solution for us used to be a very long winded, drawn out and a somewhat painful process. After agreeing to use Andy’s services we have not looked back. He has continually made us feel comfortable and safe in the knowledge that our information and status is always confidential, secure and with a continued focus on our very best intentions. Andy is 100% dedicated to providing exceptional advice coupled with outstanding communication and customer service - Thank you Andy”

Evan & Clare Carr, Oulton Broad

“As first time buyers, we were entering the unknown! However Andy made the whole process enjoyable and stress free. Andy was always available to answer any questions and if I had any queries he would put my mind at ease. I will have no hesitation in passing Andy's details onto any family or friends who will be purchasing a property in the future; as I know he will provide them with a first class and friendly service”

“We have used Andrew’s expertise regularly over the past 6 years we have known him and have purchased 6 properties in that time, we always agree with his choice of mortgage and find his advice of the highest quality with speed of service to match, which is key when building a property portfolio when speed is often key in sealing a competitive price, we have also recommended numerous friends and associates to him and will continue to do so in the future”

Martin South & Jos Marriner, Oulton Broad

“After recommendation from family we used Andy Waters at Financial Solutions to help us purchase our first home. It was a difficult transaction as new build flats in London were extremely hard to obtain mortgages on without a huge deposit. Many brokers could not help but Andy's unwavering confidence and positive proactive approach kept us going when others would have given up. He overcame every obstacle we came up against and his reliability and integrity were second to none. With many brokers offering apparently free services I had reservations about paying a fixed fee but the impartiality and openness this provided made the set fee a far better option than the underhand commission deals which influence most so called independent advisors. We would not go anywhere else for financial advice and even though based in London the distance caused no problems whatsoever and we would recommend Andy unreservedly.”

Phil Clare & Lisa Cunningham, London

“Andy was recommended to me as someone with an in depth knowledge of his profession and a willingness to go the extra mile to secure the best product to suit my circumstances. This he achieved with the minimum of fuss and a happy demeanour. In turn I was more than happy to recommend him to a good friend of mine.”

PT, Norwich

“My partner and I were recommended by a colleague at work to use Andy for our mortgage advice. We were advised every step of the way by Andy who explained every single option carefully and with a good understanding of our needs. I would not hesitate in recommending Andy in the future.”

Darren Weavers, Hull

“I would happily recommend Andy to any of my friends looking to get a new mortgage or re-mortgage. His knowledge of the subject is vast and not only that he managed to put it into ‘Layman’s English’ so I could understand what he was getting at. He was always prompt with his replies to any of my questions and very happy to spend 5 minutes of his time, in work hours or not, to help iron out any problems we may have had at any time. I was very happy with his professional performance from start to finish”

Chris Latham, Stebbing

“Your help and advice has been invaluable in arranging our mortgage and I can honestly say that I have never come across a mortgage/financial advisor that actually goes beyond his call of duty to ensure a smooth transaction as far as his/her clients are concerned. You made our mortgage and figures seem very simple to understand which made it so much easier when wanting to select one of our many options available to us. I have and would continue to inform anyone looking for any financial advice to come direct to you and I will be using you for any future advice I require.”

Ben Le Compte, Carlton Colville

“We used Andy last year after being recommended by an existing customer. The service we received was outstanding. We had several issues to overcome - not least a very tight schedule. Andy made us feel like we were his most important client and put in an incredible amount of time and effort to get our mortgage and house move sorted with the minimum of fuss. It seemed as though he never stopped working and was available for us 24/7. We had no hesitation in recommending Andy to friends and family as we were confident that he would provide outstanding service to them as well. We will certainly be using Andy again...”

Tim & Lisa Betts, Oulton Broad

“The service provided by Andy is first class, he takes care of everything. He is extremely efficient & above all very friendly. I would not hesitate to recommend him to anyone!”

“Thank you once again for sorting out our new mortgage and insurances. You were highly recommended and you didn’t disappoint. You have provided us with excellent service which was all conducted via telephone and email. You not only saved us time, lots of money but a great deal stress which was invaluable.”

Matt & Lucy Nicholson, Ipswich

“We have known Andy both personally and professionally for over 15 years and find his advice and vast knowledge invaluable. He is always extremely thorough in his advice ensuring you receive the best package to suit your needs and his customer service is second to none. We would highly recommend Andy to all our friends and family and to anybody else looking for the best mortgage and protection advice available.”

Jamie & Nina Clarkson, Carlton Colville

“Andy arranged a mortgage for me in 2009. As I was only intending to keep the mortgage for a short period whilst waiting for another property to sell I needed a product with no arrangement or early redemption fees. Andy found a package perfectly suited for my needs and completed the arrangements within two weeks. He also arranged a very competitive house insurance policy for the property. At all times Andy acted with the utmost professionalism and kept me fully informed of progress. I would have no hesitation in recommending Andy's services to any prospective clients.”

Peter Stirland, Stalham

“We would like to take this opportunity to thank you for all your help and assistance during the recent acquisition of our 1st property. It is very difficult to understand everything that needs to be considered & implemented, whilst also trying to keep costs to a minimum, but we achieved this with your help. We would have no hesitation in recommending your services to others as your approach was executed most professionally. Thank you again for all you have done and we will contact you in the future when the need arises.”

Neil Wilson & Rachel Fenn, Worlingham

“I have been a client of Andy's for around 5 years now and have always been very happy with the service he has provided. His financial advice has been invaluable and I am very satisfied with the policies he has arranged for me and my family. Andy is very open and honest with sound knowledge of the market. He has never tried to advise me of anything under pressure and a great level of trust has been developed. I have and would recommend Andy to anyone who may need advice in this area”

RM & FM, Oulton Broad

“ We used Andy as he was recommended to us by a friend, he was very helpful and gave us all the advice we needed as well as helping with all our paperwork, he made it easy for us to understand if we were able to afford and manage a mortgage. Andy was very helpful and we are really pleased with the service we received.”

LR & HB, Worlingham

“As first time buyers or re-mortgaging we received plenty of advice without the hard sell as well as a friendly service to boot.”

Daniel & Suzanne Winter, Ormesby

"Quite simply the most professional and competent financial advisor that I have ever had the pleasure of dealing with, I have not stopped recommending him to family, friends and work colleagues"

Alex Wright, Saffron Waldon

“Andy Waters is nothing short of a miracle worker as far as we are concerned. His efforts on our behalf went well past the usual call of duty, and secured us the best mortgage deal we could hope to achieve despite our limited budget. His contacts within the Financial Services trade enabled us to obtain speedy decisions and positive ones, and without this we would have been completely stuck. He has since worked his magic again for our son, and we would not hesitate to recommend Andy to any one of our friends and business acquaintances.”

Clive & Anne Rowe, Pakefield

“I approached Andy to review my protection needs having just started a family, my Wife and I wanted to ensure that our daughter was financially secure should either of us become seriously ill or die before she is able to support herself. Andy reviewed our mortgage protection arrangements saving us some money compared to the cover sold to us by the bank and recommended a level of family cover that would pay-out and allow us to continue enjoying a reasonable standard of living without financial worry should the unforeseen happen. The advice received around placing our policies in Trust made perfect sense, ensuring that the policies would pay out quickly and for the benefit of us and our daughter without delay. Andy's attention to detail and persistence ensured that all the paperwork was taken care of quickly and that we were covered adequately for now and the future. Should our circumstances change in the future, we will have no hesitation coming back to Andy for further advice”

Rob & Emma B, Sheffield

“Excellent service from Andy of Arnold Read where nothing is too much trouble, we have recently changed our mortgage provider on Andy’s advice & have been able to reduce the term by 8 years, fantastic. We have also recently purchased our 1st Buy to let property which has also been totally smooth sailing, we have recommended Andy to Family & friends & they have all been very happy with the service he provides.”

Jae & Claire Skipper, Belton

"We have used Andy Waters on a number of occasions for advice and subsequent arrangement of our finances and we would not use anybody else. A truly excellent service from start to finish every time".

Danny & Kelly Allison, Carlton Colville

“Working in financial services, I feel I am fairly well placed to know which mortgage brokers stand out from the crowd and I can honestly say Andy is without question one of the best advisors I have ever encountered. His professionalism, knowledge and dedication to his clients is second to none and nothing is too much trouble. I have used Andy's services many times over the years and always know the advice he gives is the best for my circumstances. I would not use anyone else!! The fantastic customer care and service he provides ensures I recommend all my friends and family to him. Keep up the excellent work and good luck with your move”

DB, Kenninghall

I have used Andy on more than three occasions, with a mixture of emotive stuff surrounding the need for his services. (Some happy some sad!!!!!) He has always been immediately receptive and responsive to my requirements, listening, obviously in tune with how to take ownership and demonstrate that HE understands and will "go the extra mile" to supply me with the relevant solution to my issues/problems/needs. I would and have without hesitation recommended especially Andy and his company to friends and family and he would always be my first point of contact when I have the need for financial advice or assistance.

Hilary Williams, Runcorn

“I would recommend Andy and have done to friends and family, as he is very honest trustworthy and reliable. He will always do what's best for you, and go out of his way to help. There are no hidden agendas with Andy and what you see is what you get.”

Rob & Jade Ashton, Hemsby

“From the outset Andy is enthusiastic, positive and realistic. The advice he gives is clear, concise and, most of all, intelligible for a non-financial person who just wants and needs a tailor-made package. Andy was recommended by close friends who had found that Andy offers a prompt and efficient service and having used him over time were eager to pass his name on. A lovely personable gentleman and I am most impressed.”

Jane W, Oulton Broad

“We have known Andy for ten years. Andy did our first mortgage whilst working for HSBC Bank, It was a breath of fresh air to find an honest mortgage broker who had your best interests from the start, who would not just try and sell you the best deal for them. Andy went on to work with Mortgage Solutions on a self-employed basis and acquired a strong client base built from trust. What his clients got was honest, truthful advice and the best deal that would work for them. Andy always works that bit harder to get the job done as quickly and professional as possible. Andy took the obvious decision due to his success, and opened his own company Arnold Read Financial Associates Ltd. We continue to use Andy and would strongly recommend his services. Whilst working on a recent deal, Andy went on holiday with his family to Australia. Unlike other companies he went the extra mile and continued contact with the mortgage company and ourselves and got us the best deal to allow us to achieve our goal. We tell our friends if you want a company you can trust than use Arnold Read, you will get the best financial advice on the market. We wish Andy continued success.”

Jack & Gel Crow, Hemsby

“Andy was most helpful when we were looking at buying a house. He turned what would normally be one of the most stressful times into a painless and almost pleasurable experience. From finding us the best mortgage and insurance to the advice and calls made on our behalf, all we literally had to do was sign a few documents at the end of the day. Everything was transparent throughout the process with no surprises or hidden costs. Competence of the highest level, would definitely use Andy again”

Jimmy Mavroudis, Norwich

"Andy was recommended to me by a friend as 'a great guy to go to' and he was right. We have come up with some very interesting (complex!) proposals which we have asked Andy if he can help us get funding for and he has come through for us every time. Andy is always innovative, efficient and personable - and always available on the end of the phone or email. Even though we have moved to the other side of the country I have still contacted Andy for everything we need because it is so much easier for us!! We would highly recommend him.

Jo & Andrew Marshall, Tetbury

“I recently had the pleasure of using the services of Andy from Arnold Read to switch from my current mortgage lender. The service provided was second to none arranging my mortgage in approximately three weeks to meet a deadline whilst saving me a substantial amount of money each month. The transition was totally stress free which was a great help as I was recuperating at home from an operation. I would recommend Andy and his company to anyone who wishes to have a very professional friendly service.”

JT, Norwich

"Arnold Read listened to our requirements and offered a product which totally met our needs. A rare combination of professionalism and a friendly, personal service, which we felt comfortable recommending to our children as well."

Julian & Jean Canham, Tarrants Lowestoft

“We would like to thank you for the hard work and support you provided to us both with our mortgage application. You made things easy to understand and guided us through each part of the process from relevant identification required to calculating the affordability and total expected costs. The service and attention given made us both feel important and valued. Again nothing seemed to be too much trouble, even the out of hours calls of support were not any bother to you. We would definitely recommend Arnold Read as a Mortgage Advisory Company to others looking.

Cliff & Lorraine, Lowestoft

"Absolute first class service. Andy provided products solely tailored to our individual needs as well as advising when we need to change them as our circumstances alter. We are recommending him to all our friends and family. Thank you once again"

Anthony & Louise Davison, Gt Yarmouth

“After having trouble getting a mortgage from my Bank (25 years a customer) I approached Andy for help. I have nothing but praise for him, he got us a great deal and followed through the process efficiently and despite 2 house purchases falling through was always on top of things and we were able to sleep at night as we always knew what was happening. I have and will continue to recommend Andy.”

MR, Bungay

“I was very impressed with Andy’s persistence to arrange such an incredibly difficult mortgage on my behalf.”

Mike Minors, Acle

“Andy is quite simply Financial Planning made easy, his clear and concise step by step assistance allows you to concentrate on the vital parts of moving, without the need to worry about everything else. Not only an excellent Financial Planner, Andy is a professional people person who helped make our move simple and effective. We would never hesitate to use his first class services again.”

Neil & Tamzin Springall, Burgh St Peter

“Andy is in the course of arranging my 3rd Buy to Let, Central London mortgage this year, having been introduced by a friend in Lowestoft who has used Andy for several years. His knowledge of the market & the most suitable products is first class, particularly in today's difficult economic climate. I'm particularly impressed by his tenacity & dedication to achieving the best results in the shortest time possible. I have already recommend Andy to my friends & colleagues, whom will hopefully be using him in the new future as well.”

NS, London

“I was introduced to Andy at Arnold Read by a friend. We went through our buy-to let mortgages and determined it was not worth currently switching. There was no charge for this. The professional and timely manner in which Andy reviewed our portfolio was excellent. We will certainly be using Andy in the future and have already recommended him to family and friends.”

Mr & Mrs B, Stanmore, Middlesex

"Having reviewed my financial status Andy gave me a wide range of mortgage options to choose from that would best suit my lifestyle and budget. In uncertain times it's good to know someone who can give you financial stability and has your best interests at heart"

Mr Y, Brundall

"It was our first attempt at getting on the property ladder and the thought of the mortgage process seemed almost too daunting. Enter Andy. He has literally taken away the stress of buying our first home and we honestly wouldn't have got this far without him. His calm, professional and friendly manner means that we feel entirely confident that he has our best interests at heart and will do all he can to help us fulfil our house dream and find the right mortgage for us. Most of all, we don’t feel like we’re on our own in this scary world of mortgages and house buying as Andy is always there to reassure us and “hand-hold us” in the right direction. I’m sure we ask a million silly questions and worry about the most ridiculous of things but if we do, we’re certainly not made to feel like we do and this is a massive credit to Andy (and his patience!). I hope more people get to benefit from this brilliant service, Arnold Read is worth its weight in gold."

Eddie Golby & Sarah Phoenix, Norwich

"Andy went the extra mile to ensure my mortgage transaction was as smooth as it could be, even in often difficult circumstances where other IFA's would have given up. I wouldn't hesitate to recommend Andy to anyone in the future and will certainly be using him for all my financial needs to come".

Tom Davison, Bradwell

“I would highly recommend Andy at Arnold Read. He dealt with all queries quickly and flawlessly and keeps on top of all my financial needs, finding me the best deals that suit my situation and getting the best deals when they are due for renewal. I will continue to use his services well into the future!”

Keith Wilkinson, Credonhill

“I recently used Andy Waters of Arnold Read Financial Associates to arrange a let to buy and residential mortgage, the service provided by Andy was exceptional and was like stepping back in time with good old customer service. Andy constantly worked to find me better deals throughout the arrangement of my mortgages bettering both of them on more than one occasion before completion which in turn has saved me almost three thousand pounds over the next two years, nothing is too much trouble for Andy and his explanation of how it all works makes it very easy for people who maybe don’t understand mortgages very easy to grasp. I would highly recommend Andy for his outstanding service.”

Mark & Kerry Webb, Bradwell

“Andy Waters , well what can we say! He not only provided us with plain, understandable, supportive and informative info on mortgages and protection but he found the best deal for us, saved us some money every month, gave us a better standard of protection and made sure the whole process want through seamlessly and chased everything on our behalf! He is a lovely down to earth guy who really has a vast knowledge of the mortgage industry and puts everything in plain English and not bank-speak!! He is always at the end of the phone for help and guidance and is so refreshing to deal with! How far in advance do we need to make an appointment with you for our remortgage!?!”

Matt & Cat Tansley, Aldeby

“Andy gave us confidence with his knowledge whilst purchasing our first buy-to-let. His guidance was clear, professional and thorough. He is efficient and always returns calls/messages promptly, a first class service! Hopefully we will do business again.”

Pete & Kelly Hutchinson, Burgh Castle

“Arnold Read delivers an outstanding level of customer service. Andy, in particular works tirelessly from start to finish and always delivers the correct product for your needs. I have known Andy for a number of years now and would always recommend him to friends and family.”

Simon Hart, Carlton Colville

“As first time buyers we admittedly needed more hand holding than most, and I bombarded Andy with questions via phone and email. The responses were always quick, often in evenings and weekends to suit me. All advice was completely jargon-free and Andy maintained patience when explaining things to me for a second and third time. From the first telephone call onwards I never felt any concern, it was always clear my best interests were being put first. I couldn’t recommend Andy more highly, he made our first home-buying/mortgage acquiring process as stress free as possible and I can’t thank him enough.”

Thomas Parsley, Norwich

“Andy was recommended to me by a work colleague during a recent house move and he provided me with not only good advice but also the reassurance that the decisions I had already made myself were the correct ones. He gave me constant updates on my position and chased third parties at every key stage. I cannot recommend Andy enough for his professionalism and dedication in getting you the right products for your needs. A great peace of mind during what can be a very stressful time.”

Ryan Farrow, Carlton Colville

“Quick, easy to deal with and very reliable! Communication is great. “

JR & RR, Kent

“We found Arnold Read to be very convenient with fitting around our busy lifestyles and on every occasion have gone the 'extra mile' to ensure we were totally comfortable with any decision we made. We would not go anywhere else with our financial decisions!!!”

Ben & Lucy Le Compte, Carlton Colville

"With Arnold Read, it does exactly what it says on the tin. Quick, easy and hassle free. Easy to see why the business is built on referrals"

JMR – London

The life insurance world can be a potential minefield, of which we fell foul; but since being recommended to Andy I can safely say that our difficult circumstances have been expertly dealt with both quickly and efficiently. I feel safe knowing Andy has sorted our problems and we now have policies that suit us as individuals and as a family. The other excellent quality is that there is regular contact by Andy to check we are ok, also I feel I can pick up the phone and talk through a crazy financial plan and get an honest answer!

Matt & Amber Aplin, Scotland

"I found Andy Waters, both very pleasant and easy to talk with. I explained what my requirements were and a quick response was forth-coming which was essential, multiple options were offered and explained and one met all the criteria I required. I would not hesitate in recommending Andy Waters, when seeking financial advice in the purchase of a house."

David Tucker, Downham Market

This is the second time we have used Arnold Read for our house purchase. Once again Andy's 'can-do' attitude ,skill and knowledge was second to none.This gave us the confidence to pursue our property dreams which without his help we may not have achieved. Michelle and Coral compliment Andy with an equally high level of service and through a challenging transaction they were both constant, encouraging and reliable. It's impossible to sum up in a few words what a positive difference this company and staff have made to us and we cannot recommend them highly enough.

Phil and Lisa

We would like to say how great the process was from start to finish, the paperwork was explained brilliantly for us new buyers to understand and complete with any questions we had answered quickly and efficiently. We really appreciate all the phone calls and emails to keep us updated throughout.

Simon Carmichael & Kathryn Ingham

Andy sorted our UK mortgage for us whilst we were in Australia. It was very nice having someone so professional and conscientious on the UK side for us as it had to be coordinated in time with our requirements in Oz. Very happy with the service and would recommend to family and friends.

Darren and Karen Perth WA

Andy came highly recommended and after our experience, we will be highly recommending him to others. Andy talks at your level so you fully understand everything and constantly reminds you of everything you need to do and when, which was invaluable to us as we both lead busy lives and often lost track of things. Andy helped make our mortgage finding and house moving an almost enjoyable experience.

Simon Long & Charlotte Bond – Norwich

We were recommended to Andy Waters for mortgage advice, after listening to our financial circumstances and what we were looking for, we found his advice and recommendations to be absolutely first class. All paperwork was completed smoothly and quickly and we were kept fully informed during all stages of the process. We would undoubtedly use Andy again and have no hesitation in recommending him. In short, an excellent, friendly and professional service.

Stephen and Anne Reeves – Pakefield

Andy was recommended to us for our re-mortgage and he has proved to be a very good choice. Andy was happy to work around our work schedule with home visits at times to suit and the advice he provided was clear and easy to follow. We had a relatively complicated mortgage which included full repayment, interest only and an endowment, we no longer have these complications. On top of the mortgage advice Andy arranged for my current life insurance and endowment policies to be reviewed through a colleague of his. I would not hesitate to use Andy again when we go through the whole process again in a couple of years time.

Jonathan Thompson & Gillian Durrant – Oulton Village

Myself and Karin would like to take this opportunity to thank Arnold Read for all the help and support they gave us throughout our house move. Without your help there is no way it would of been possible to get what has become our dream home. We highly recommend you to everyone we know and would always use you in the future.

Lee & Karin Dowsing – Carlton Colville

We would like to thank Andy and the team for a fantastic service. Arnold Read were able to arrange a mortgage for us at a very competitive rate with the transaction being completed smoothly and on time. We would highly recommend Arnold Read Financial Associates Ltd.

Nick and Nicole Plant

Andy couldn't have been more helpful in securing us a great mortgage, connecting us with other professionals in the house buying process and generally guiding us from start to finish with our purchase. In an age of call centres and faceless service providers, it was extremely reassuring to have a friendly professional personally helping us through the long and daunting process of first-time buying, all for a very competitive fee, we would highly recommend him!

Chris & Sophie Jones, London

Andy's professionalism and attitude is outstanding, he's organised, very knowledgeable and quick whilst being detailed. There was no hassle, the experience was painless, and well worth every penny of his competitive fee. Highly recommended.

Nathan Butcher, Carlton Colville

Andy and his team at Arnold Read were fantastic from our very first meeting. We felt completely at ease with them throughout the whole process and they couldn't do enough to help us along the way. We were both first time buyers with no real idea of what we were getting ourselves into or what to expect. We needn't have worried as we were walked through every part of the mortgage application and excellently advised on what covers we may need. At no point did we feel pressured or asked to do anything we didn't feel comfortable with. As such I would strongly recommend Arnold Read to anyone in need of help. Thanks again.

Dan Tacon & Gemma Oldman, Lowestoft

We were highly recommended to Andy through a friend who only had excellent words for him and his services. We are continually impressed with his "can do" approach, and it seems nothing is ever too much trouble. It's very clear our best interests are put first and he is always working extremely hard for us. He is always up to date with the most recent trends in the economy, therefore always one step ahead of the rest. If it wasn't clear enough from the above... We cannot recommend Arnold Read enough.

Michael & Rachel Napier,Diss

I have used Andy at Arnold Read for the past few years for my mortgage needs and I can honestly say, Andy and his team on each occasion have gone above and beyond my expectations and been nothing but excellent. We need more companies like this around!

Steve Smart, St Neots

Andy sorted all my mortgages for me and talked about the importance of critical illness cover, being young I didn't think I needed any, so glad I listened to him. Then aged 31 with 3 kids, I was hit with brain cancer, while for my family this was rough, what did really help was the cover Andy set up for me.
I never smoked, drunk and run 5k almost every day but I still fell ill, so it can happen to anyone. But thanks to Andy he covered for this, thank god.
Even before this event, I always referred friends and family to Andy and they have always been very impressed with his knowledge, professionalism and service

David Bloomfield, Norwich

Andy delivered a thoroughly professional service, completely removing the stress and strain of our re-mortgage. Andy found us the perfect deal and gave sound advice to help us make decisions we were struggling with. I cannot recommend highly enough and is worth every penny.

Martin Hale, Norwich

The service we have received over the last few years from Andy has been fantastic, always working hard to find us the best price ,any questions we have had have been answered promptly and efficiently could not recommend highly enough Thanks for everything

Gary & Claire Lloyd, Carlton Colville

I have known Andy for over 14yrs and used his services when working for Hsbc and have continued since he became a broker in 2007, and still when he starting his own firm ‘Arnold Read Financial Associates’ in 2010.
In that time I have recommended Andy to over 30 clients and he has never let anybody down, and I know those clients have also passed his details on to others.
Whenever I need Andy he is there, and even if he misses my call it is always returned quickly, my experience of Arnold Read Financial Associates is ‘magical’

Martin South, Southwold

Andy continues to exceed my expectations and I have always been really happy with the advice and the service he offers me.
Occasionally I come up with a bright idea, that isn’t do-able, but Andy always takes the time to explain his logical thinking process and helps me in a better way, than I would have otherwise gone.
It is fair to say, than when Andy advises me, I trust his word implicitly and having been in my business for nearly 30 years, there are very few people who I have come across, that I could say that about.

Anne Neill, Lowestoft

'We've now used Andy for a number of purchases over 10 years ranging from our first apartment to the house we are in now. His expert guidance has ensured that we always secured market-leading products and ones that were the most suitable for us. He can always be relied upon to close-out deals in excellent time and for this reason I'll continue to both use and recommend him.'

James Rothwell, London

I've been a client of Arnold Read since 2010. In that time I've been very
impressed with the service and support received for a number of mortgage and
life insurance applications. No matter how straight forward or complicated
the circumstances, Andy has provided sound advice, consistently and always
to satisfactory outcomes. I've found the team to be approachable and
committed to meeting their Clients needs. I've recommended to friends and
family which I believe is the best endorsement you could ask for.

Craig & Hannah Cutajar, Gorleston

Andy and his team came very highly recommended to me by a friend. A little dubious at first due to the distance between us, I can honestly say I cannot fault them. From beginning to end, they kept their promises of telephone appointments, they kept me informed of any progress along the way and they always answered my calls and emails whenever I had a query. They made the process incredibly easy for me and I am now on my second mortgage as advised by them. Andy even advised me against re-mortgaging the first time around which was what cemented my trust in him. Andy always explains things in simple terms so you are fully aware of what your options are. I have recommended Arnold Read to friends and colleagues and will continue to do so. Thank-you to you and all of your team.

Danielle Shaw, Liverpool

Arnold Read provided us with an efficient, timely and friendly service in what is classed as one of the most stressful times in life – moving house! . We could not fault the service. We would highly recommend their services to my family and friends and would definitely use their services again in the future

Jamie Clarkson & Michele Dodds, Hales

We have been using Arnold Read for some time now, 8 plus years. Every piece of information provided has been outstanding and informative. I would recommend Arnold Read to family and friends without a doubt. Everything Andy has done for us he has covered everything possible outweighing our expectations! We couldn't have asked for more! Total peace of mind.

Neil & Rachel Wilson, Worlingham

'I was highly recommended to Andy by a colleague at work and I was not disappointed. From first contact I always found Andy very friendly and found he always listened to what I wanted. Being a first time buyer I didn't have a clue what I was doing and Andy always took time to explain things clearly and making sure I understood everything. The communication between Andy and his team was faultless, phone calls and emails were always answered straight away. I even got a call of Andy at 9 O'clock in the evening after he found better options for my mortgage, very hard working! I wouldn't hesitate to recommend Andy and his team to anyone I know and I will defiantly be contacting Andy again when I need to re-mortgage.'

Tim Jones, Hastings

Andy was introduced to me through a friend in order to help us buy a new property. It was quite a complex situation that involved 4 properties and 3 mortgages. We had an initial meeting with Andy to see what he could do. I was very impressed with his knowledge and experience. He was very friendly and easily advised us on the best course of action. The estate agent we were buying the property from referred us to another mortgage advisor so we met him for a second opinion. Unfortunately for him his service and advise was nowhere near as good as Andy’s so needless to say we chose Arnold Read.Throughout the process Andy and his team Coral and Michelle, made us feel like we were the only client they were dealing with. I was given prompt and regular updates and had to do very little; they took care of everything. There was no delay in getting the mortgages offer and it was a stress free process. I would like to thank Andy, Coral and Michelle for all their work and I will definitely be using Arnold Read again and will recommend them to all my friends.

Andy & Kelly Kempton, Ormesby

We have known Andy Waters for over ten years in his professional capacity and have confidently recommended his services to friends and family with always positive results. When it came to us deciding to embark upon a daunting mission to sell our three rental properties as well as our own residential property over a year ago, to ultimately purchase one property for ourselves requiring a mortgage, we had no hesitation in instructing Arnold Read’s services. From the outset we received honest, clear and professional advice on what would be involved regarding mortgage options, the financial and time sensitive implications of the property transactions, conveyancing requirements, home insurance and protection products.
During the process we experienced unexpected hold ups, issues and delays from agents, buyers, and sellers. This resulted in us requiring an extension to our mortgage offer and a change of product and valuation - Arnold Read offered us honesty and clarity, and kept us up to date with all lender requirements and communications, as well as with solicitors and insurance companies.
Most importantly our experience has been one of confidence that we have been in safe, qualified hands for the past thirteen months. We will continue to wholeheartedly recommend Arnold Read for their friendly professionalism, expertise and integrity. Andy, Coral and Michelle have proved to be calm, prompt and efficient - particularly at the difficult times when we needed the most support. Thank you for being our lighthouse in a storm.

Amy & Dan French, Oulton

This year has been the second time Andy and his team have made our new mortgage process seem incredibly easy. Not only did he find us another great deal, he also made sure our life insurances etc were in place to make our finances a lot simpler for our families if something were happen to either or both of us. Along with the very friendly and super efficient Michelle.... who went out of her way to make things as straightforward as possible, especially when we were given information and needed to make choices. If you're looking for an efficient, approachable and trustworthy team/ service I would recommend you look no further than Arnold Read . We have yet again received excellent service and therefore highly recommend them.

Gary Moore & Tracy Leer, Lowestoft

We are delighted to have the opportunity to endorse the work of Andy Waters. Andy listened closely to our needs, and then set about obtaining the right mortgage for us. He adapted to our changing needs with professionalism and creativity. The whole process was easily managed by email and the occasional telephone call and we felt safe and confident with his obvious level of expertise. We would not hesitate to recommend his services to our friends and families or anyone else who needs a supportive hand through the process of obtaining a mortgage.

Graham King & Angie Buxton King, St Austell

From the outset Andy gave me the impression that he was keen not only to help but also to understand my particular requirements. He patiently waited while I retrieved the information needed to get the
mortgage we needed.
I've just had notice of completion of the loan we wanted. Thank you Andy and your team for all your help. I look forward to benefitting from your expertise in the future.

FOD, Lowestoft

A broker fee of £357 will be charged on completion.

Arnold Read Financial Associates Ltd is an appointed representative of First Complete Ltd which is regulated and authorised by the Financial Conduct Authority.

’In general, Buy to Let mortgages are not regulated by the Financial Conduct Authority’.

Your home may be repossessed if you do not keep up repayments on your mortgage.